| The cost of life insurance depends on two factors: how much cover you want and how long you want it for.
Then your age, sex, occupation, health and smoking habits are taken into account.
The type of policy does make a big difference but by visiting our policy types page you can read about the various types.
The other issue affecting premiums is your medical history and current state of health. If you have any concerns, please do call us so we can advise on the most appropriate insurer for your circumstances.
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